The drug and alcohol problem in the country is increasing steadily among young people. Perhaps, you’ve noticed that younger family members are dependent on drugs too, and you are struggling to get them into a rehab program. Fortunately, insurance companies realize that drug and alcohol abuse are a disease that requires treatment like any other disease. National insurance companies offer insurance coverage at varying rates to cover treatment. Certainly, this is welcomed news for you, if you have a young adult offspring that is addicted to drugs or alcohol. Here is more to consider.
Rehab Insurance Coverage For Drug Addiction
First, it is important for you to realize that insurance coverage varies widely. Some insurance providers might offer more coverage than others in the same community. It is up to you to determine the extent of the coverage before purchasing the rehab insurance. Most policies cover a portion of the cost for rehab. Generally, this is what is determined through medical assessment of your loved one’s condition. For example, the assessment is usually fully covered by insurance. Detox, outpatient treatment, and in-patient treatment are usually partially covered in the insurance policy.
Determining Your Rehab Cost With Insurance
It is important for you to directly contact your insurance provider and question the insurance provider about rehab coverage. Your insurance company will be able to provide you with important information about the exact amount of coverage that your loved one will receive, once they enter the rehab program, the extent or length of coverage, along with any co-payments that are required. Another way to determine coverage is to personally contact the rehab program and request assistance in finding insurance coverage for the rehab program. Often, they are in touch with several sources that offer assistance for inpatient or outpatient programs. You might discover that your insurance does not fully cover the drug rehab program. Don’t get discouraged. There is help available. There are private insurance programs offered by employers that might cover some of the cost. In addition, some state funded programs are worth checking out too. Many of the state funded programs offer coverage for low income households. It is important to note that the treatment covered varies state to state. However, you must make sure that the rehab center selected accepts Medicaid payments.
Call us now to learn more and discuss all of your options 855-782-1009